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Chris Rampley
Bankruptcy Attorney
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![They were ashamed about their debt. Bankruptcy gave them a second chance.](https://static.wixstatic.com/media/78d045_bd3b500c853c4af4a99079daf3ac4a2a~mv2.jpg/v1/fill/w_454,h_341,fp_0.50_0.50,q_90,enc_auto/78d045_bd3b500c853c4af4a99079daf3ac4a2a~mv2.webp)
Chris Rampley
Dec 9, 20246 min read
They were ashamed about their debt. Bankruptcy gave them a second chance.
Dec. 8, 2024 By Rachel Kramer Bussel, NYT In my 20s, while attending law school at New York University by day and concerts by night, I...
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![I wish I would have filed for Bankruptcy Sooner!](https://static.wixstatic.com/media/bf9110_440a21baf0134d24bc61ef448a0cf346~mv2.png/v1/fill/w_454,h_341,fp_0.50_0.50,q_95,enc_auto/bf9110_440a21baf0134d24bc61ef448a0cf346~mv2.webp)
Chris Rampley
Sep 9, 20247 min read
I wish I would have filed for Bankruptcy Sooner!
"When asked if she has any regrets she said "I wish I filed for bankruptcy sooner. I was too worried about what people would say". Four...
10 views0 comments
Chris Rampley
May 23, 20244 min read
What is a debt relief program and how do I know if I should use one?
Debt relief or settlement companies are companies that say they can renegotiate, settle, or in some way change the terms of a person's...
5 views0 comments
Chris Rampley
Jan 21, 20244 min read
Beware Some Debt Consolidation Companies!
CFPB and Seven State Attorneys General Sue Debt-Relief Enterprise, Strategic Financial Solutions, for Illegally Swindling More Than $100...
9 views0 comments
Chris Rampley
Sep 6, 20232 min read
TikTok "Girl Math" is Just Bad Math
TikTok trend called 'Girl Math' is the same math we all use to justify overspending As most trends it started likely as fun; it went...
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![What Credit Score is "Good Enough"?](https://static.wixstatic.com/media/bf9110_0446e4bd6a5447099e490cb7e6c77be4~mv2.jpg/v1/fill/w_454,h_316,fp_0.50_0.50,q_90,enc_auto/bf9110_0446e4bd6a5447099e490cb7e6c77be4~mv2.webp)
Chris Rampley
Aug 18, 20233 min read
What Credit Score is "Good Enough"?
Once you hit this credit score, ‘there’s no benefit to scoring higher,’ says expert: ‘It’s just bragging rights’ While having a perfect...
1 view0 comments
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![Side-hustlers who get paid via Cash App and Venmo risk being audited if they don't report earnings](https://static.wixstatic.com/media/bf9110_eb0c3138fe43436fa24790382eaff191~mv2.jpg/v1/fill/w_454,h_341,fp_0.50_0.50,q_90,enc_auto/bf9110_eb0c3138fe43436fa24790382eaff191~mv2.webp)
Chris Rampley
Nov 28, 20223 min read
Side-hustlers who get paid via Cash App and Venmo risk being audited if they don't report earnings
IRS warned people who make over $600 from side hustles should declare earnings to avoid audits. Workers who get paid via apps including...
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![Debt Settlement Companies May Not Be Your Friend!](https://static.wixstatic.com/media/bf9110_e626ca1cc8fd43a885e1e49334ee96ae~mv2.jpg/v1/fill/w_264,h_264,fp_0.50_0.50,q_90,enc_auto/bf9110_e626ca1cc8fd43a885e1e49334ee96ae~mv2.webp)
Chris Rampley
Mar 21, 20223 min read
Debt Settlement Companies May Not Be Your Friend!
The CFPB Sued Freedom Debt Relief For Misleading Consumers About Its Debt-Settlement Services in 2017. In 2019 The Consumer Financial...
22 views0 comments
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![Debt collectors can now text, email, and DM you on social media!](https://static.wixstatic.com/media/bf9110_d4a001722d3448938b7abc73f351cbb9~mv2.jpg/v1/fill/w_454,h_341,fp_0.50_0.50,q_90,enc_auto/bf9110_d4a001722d3448938b7abc73f351cbb9~mv2.webp)
Chris Rampley
Dec 6, 20213 min read
Debt collectors can now text, email, and DM you on social media!
The next time someone tries to friend you on Facebook or follow you on Instagram, it could be a debt collector. New rules approved by the...
6 views0 comments
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![Finally!!! Bye Bye Student Loans?](https://static.wixstatic.com/media/bf9110_694a23eada27440bbdd9402295aa775d~mv2.jpg/v1/fill/w_162,h_116,fp_0.50_0.50,q_90,enc_auto/bf9110_694a23eada27440bbdd9402295aa775d~mv2.webp)
Chris Rampley
Aug 3, 20211 min read
Finally!!! Bye Bye Student Loans?
Bankruptcy Might Soon Eliminate Most Student Loans! August 3, 2021 NACBA Applauds Bipartisan Bill Restoring Student Loan Discharge in ...
7 views0 comments
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![Things You Must Know to File Bankruptcy!](https://static.wixstatic.com/media/bf9110_65987ceb9e2f46c49e8c958e959c754d~mv2.jpg/v1/fill/w_275,h_275,fp_0.50_0.50,q_90,enc_auto/bf9110_65987ceb9e2f46c49e8c958e959c754d~mv2.webp)
Chris Rampley
Jul 19, 20211 min read
Things You Must Know to File Bankruptcy!
These lists apply to both Chapter 7 and Chapter 13 Bankruptcy. The more you know about our finances the easier your case will be! Know...
19 views0 comments
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![Help! I Got a Letter From the IRS!](https://static.wixstatic.com/media/bf9110_39665e120acc42c6a63be13c9f1d3fb1~mv2.jpg/v1/fill/w_454,h_341,fp_0.50_0.50,q_90,enc_auto/bf9110_39665e120acc42c6a63be13c9f1d3fb1~mv2.webp)
Chris Rampley
Apr 28, 20212 min read
Help! I Got a Letter From the IRS!
IRS Tax Tip 2021-52, April 19, 2021 The IRS mails letters or notices to taxpayers for a variety of reasons including if: They have a...
10 views0 comments
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![Fear of Bankruptcy Holds Too Many People Back](https://static.wixstatic.com/media/bf9110_5458dece9e6b45fcb40892aeb493034d~mv2.jpg/v1/fill/w_454,h_275,fp_0.50_0.50,q_90,enc_auto/bf9110_5458dece9e6b45fcb40892aeb493034d~mv2.webp)
Chris Rampley
Sep 29, 20204 min read
Fear of Bankruptcy Holds Too Many People Back
Liz Weston The mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t. Each year, only a fraction of...
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![Even the middle class is having trouble paying rent](https://static.wixstatic.com/media/bf9110_5b44dec026c54b93912f50605f66fa91~mv2.jpg/v1/fill/w_454,h_341,fp_0.50_0.50,q_90,enc_auto/bf9110_5b44dec026c54b93912f50605f66fa91~mv2.webp)
Chris Rampley
Feb 4, 20202 min read
Even the middle class is having trouble paying rent
Being able to pay for housing — along with the rest of one’s everyday expenses — is a challenge for many Americans. And increasingly,...
11 views0 comments
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![40% of Americans say they still struggle to pay bills](https://static.wixstatic.com/media/bf9110_4575a4d9b5bf4c078421ecadb566442e~mv2.jpg/v1/fill/w_400,h_185,fp_0.50_0.50,q_90,enc_auto/bf9110_4575a4d9b5bf4c078421ecadb566442e~mv2.webp)
Chris Rampley
Dec 9, 20195 min read
40% of Americans say they still struggle to pay bills
‘This doesn’t look like the best economy ever’: 40% of Americans say they still struggle to pay bills By Heather Long July 4, 2019 at...
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![Getting Out of Debt Makes You Happier and Smarter and I Have Proof!](https://static.wixstatic.com/media/bf9110_438d7dd612314fe8ba2e52538c5e5ab9~mv2.jpg/v1/fill/w_309,h_341,fp_0.50_0.50,q_90,enc_auto/bf9110_438d7dd612314fe8ba2e52538c5e5ab9~mv2.webp)
Chris Rampley
Mar 31, 20193 min read
Getting Out of Debt Makes You Happier and Smarter and I Have Proof!
We have known for a while that that debt and worry take up a lot of mental resources, but it is good to see it proven again and again. ...
33 views0 comments
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![Mortgage After Bankruptcy: How Soon Can You Buy a Home?](https://static.wixstatic.com/media/bf9110_831fea86ac5143bba662b7b913458d72~mv2.jpg/v1/fill/w_454,h_341,fp_0.50_0.50,q_90,enc_auto/bf9110_831fea86ac5143bba662b7b913458d72~mv2.webp)
Chris Rampley
Feb 12, 20184 min read
Mortgage After Bankruptcy: How Soon Can You Buy a Home?
Waiting periods: Bankruptcy and foreclosure don't end your mortgage chances The Great Recession took its toll on many households --...
79 views0 comments
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![Businesses That Have Filed For Bankruptcy](https://static.wixstatic.com/media/bf9110_175d653fd67a4efbb47cc47b55675dd7~mv2.jpg/v1/fill/w_454,h_341,fp_0.50_0.50,q_90,enc_auto/bf9110_175d653fd67a4efbb47cc47b55675dd7~mv2.webp)
Chris Rampley
Feb 9, 20183 min read
Businesses That Have Filed For Bankruptcy
Most people who are considering bankruptcy feel embarrassed, but one way to think about it differently is to consider the businesses who...
47 views0 comments
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![7 Ways Bankruptcy is Better Than
Debt Settlement](https://static.wixstatic.com/media/bf9110_a3ea7b623c2c4f92962a3212a0591931~mv2.jpg/v1/fill/w_454,h_300,fp_0.50_0.50,q_90,enc_auto/bf9110_a3ea7b623c2c4f92962a3212a0591931~mv2.webp)
Chris Rampley
Sep 17, 20174 min read
7 Ways Bankruptcy is Better Than Debt Settlement
There are many reasons why Bankruptcy is usually the best way to handle out of control debts, especially when compared to debt settlement.
109 views0 comments
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![Beware! Relatives and Bankruptcy Do Not Mix!](https://static.wixstatic.com/media/bf9110_dc783d9a96854a578da8f9b4f2dd3ec7~mv2.jpg/v1/fill/w_454,h_341,fp_0.50_0.50,q_90,enc_auto/bf9110_dc783d9a96854a578da8f9b4f2dd3ec7~mv2.webp)
Chris Rampley
Jan 10, 20173 min read
Beware! Relatives and Bankruptcy Do Not Mix!
THREE COMMON ISSUES INVOLVING RELATIVES AND BANKRUPTCY SHOULD I PAY MY RELATIVE BACK FOR A LOAN BEFORE I FILE BANKRUPTCY NO!!! Example:...
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